Health Insurance for Endometriosis Treatments

Health Insurance for Endometriosis Treatments in India

Endometriosis is a condition referring to growth of tissues outside of the uterus. These tissues resemble the lining of the uterus wall. The growth usually happens in the pelvic region causing excruciating pain and extreme discomfort.

This condition happens to a woman during their reproductive age. An individual suffering from this disease experiences difficulty in carrying out regular work. Insurance companies often cover the cost of Endometriosis treatment under Health insurance for women because it falls within the medically necessary category.

Here is a list of insurance coverage for endometriosis treatment:

• Diagnostic Tests: Ultrasound (USG) of abdomen and pelvis, MRI & CT scans of abdomen and other organs, laparoscopy, biopsy of lesions, and endoscopy of gastrointestinal tract (if required).
• Surgical Costs: Removal of chocolate cysts, ovaries, uterus, or fallopian tubes, and lesion removal.
• Hospitalisation Expenses: Room and board, surgical supplies, and other related expenses.
• Anaesthesia and Medication Costs: During surgery and hospitalisation.

Benefits of Buying Women's Medical Health Insurance

About 42 million women in India are suffering from Endometriosis and therefore buying a health insurance policy that covers this disease is essential.

1. Reduction in Financial Burden: With a rise in medical expenses, it is wise to be prepared for emergencies such as endometriosis treatments so that the financial burden is not too much to bear. Getting a Health insurance policy also makes you financially independent of seeking financial help from your father or husband.   
2. Peace of Mind: The ease of not having to worry about availing quality and speedy endometriosis treatment during visible symptoms. The burden of cost falls on the policy provider and therefore, there is no mental distress that you or your family members will have to experience.    
3. Specifically Designed for Women Needs: Medical health insurance for women specifically provides custom benefits to insuree. These policies include endometriosis treatment along with other illnesses as well, therefore, buying one is a preventative measure.

Why Medical Health Insurance is a Necessity

These are the following reasons why having medical health insurance is essential:

1. Women's Related Health Concerns: Women are the most susceptible to gynaecological issues such as developing fibroids, cysts, and other issues as they tend to age. For some who have endometriosis, an insurance policy helps in managing treatment costs incurred for the conditions, including surgery, pre-diagnostic tests, doctor consultation, and post-hospitalisation costs, medicines, etc.  
2. Critical Health Emergency: Endometriosis if not diagnosed and treated within the right time might develop into a cancer causing a health emergency. The cost of treatment is determinable based on cancer stage. The health insurance does cover radiotherapy and chemotherapy under the policy terms.   
3. Yearly Health-Check up: Getting a yearly check-up is imperative for women to ensure timely detection of issues at an early stage. There are certain health check-ups that are common among health insurance policies such as mammography, blood pressure screening, problems due to abnormal levels of cholesterol, etc.    
4. Covers Genetic Conditions: If a policyholder carries a genetic condition that they are not aware of in current times. Yet, these conditions and the diseases causing due to such conditions are treatable under the health insurance policy.

Coverage under Women Health Insurance

Insurance providers cover some aspect of treatment costs. Here is a list of such expenses:

• Cashless Admission: The bills are made to the insurer and the settlement is done between the hospital and insurer.
• Zero copays: No personal expense for such treatments that are covered under an insurance policy.
• Pre and post-hospitalisation Expenses: Necessary costs like accommodation rent, doctor’s fees, consultations, lab tests, medicines, etc.
• Ambulance charges: For transportation during medical emergencies.
• OPD treatments: The insurer also covers expenses related to outpatient department.
• Additional benefits: Bariatric surgery, loss of job cover, e-medical second opinions, and voluntary sterilisation.

However, the expense coverage varies from policy to policy and therefore you must check with your insurance provider. Having an idea of what cost is covered under an insurance plan and what portion will be out-of-pocket expenses is crucial.